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<br /> q1 ]1 not age Borrower for holding and applying the Funds, annually analyzing the escrow account, or vet
<br /> the Escrow Items, unless Lender pays Borrower interest on the Funds and Applicable Law permits Lender to make
<br /> such a charge* Unless an agreement is made in-writing or Applicable Law requires interest to be paid on the Funds,
<br /> Lender shall not be reed to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree
<br /> in writing, however, that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an
<br /> annual accounting of the Funds as required by RESPA.
<br /> If there is a surplus of Funds held,in escrow, as defined under RESPA, Lender shall account to Borrower for
<br /> the excess funds in accordance with RESPA. Ifthere is a shortage of Funds held in escrow,as defined under RESPA,
<br /> Lender shall notify Borrower as reed by RESPA, and Borrower shall pay to Lender the amount necessary to make
<br /> up the shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of
<br /> Funds held in.escrow,as defined.under RESPA,Lender shall notify Borrower as required by RESPA, an.d.Borrcrwm
<br /> sI jT pay to Lender the amount necessary to m.akew the deficiency in accordance with RESPA.,but no more than
<br /> 12 monthly payments.
<br /> Upon payment in full of all sums secured by this Suety InStrument, Lender shall promptly refund to Borrower
<br /> any Frauds held by Lender.
<br /> 4. Charges;Liens. Borrower shall pay all axes, assessments,charges,des, and impositions a -a wale to
<br /> the Properly which can attain priority over this Sect Instrument, leasehold payments or ground rents on the
<br /> Property, if any, and Community Association Dues, Fees, and A e teats, if any. To the WS.Leltt That these items
<br /> are Escrow Items, Borrower shall pay them in the manner provided in won 3_
<br /> B=ower shall proluptly discharge any lien which has priority over this Security Instrumen±unless Borrower:
<br /> (a)agrees in Ming to the payment of the obligation seared by the lien in a manner acceptable to Lender,but only
<br /> so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against
<br /> enforcement ofthe lien in,legal proceedings which in Lender'a opinion operate to prevent the enforcement ofthe lien
<br /> while those proceedings are pe hi g, but only til such proceedings are concluded; or(c)secures from the holder
<br /> of the lien an agreement satisfactory to Lender subordinating the lien to this Security Tm strmnent. If Lender
<br /> determines that any part of the'Property is subject to a lien which can attain priority over this Security Insiniment,
<br /> Lender may give Borrower a notice identifying the lien. Within 10 days of th-e date on winch that notice is given,
<br /> Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4.
<br /> Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service
<br /> used by Lender in connection wit this Loan.
<br /> 5. Property Insurance. Borrower shall keep the improvements now existing or hereafier erected on the
<br /> Property insured against loss by Vie, hazards included within the t "extended coverage,�i and any other hazards
<br /> including, but not limited to, earthquakes and floods, for which Lender requires insarance4. This insurance shall be
<br /> m rt,t ired in the amounts (including deductible levels) and for time periods that Lender requires. What Lender
<br /> requires pursuanyto pursuant the preceding sentences can change during the term of the Loan. The insurance carrier providing
<br /> the insurance shall be chosen.by Borrower subject to Lender'sright to disapprove Bo o er's choice,Bch right shall
<br /> not be exercisedunreasonably. Lender may require Borrower to pay,in connection.with this Loan, either: (a)a one-
<br /> tine merge for flood zone determination, certification and tra eli n g services;or(b)a one-time charge for flood zone
<br /> determinntion and certification services and subsequent charges each time remappings or similar changes occur Which
<br /> reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of
<br /> any fees imposed by the Federal Emergency Management Agency in connection w,ith the review of any flood zone
<br /> determination resulting from an objection by Borrower.
<br /> If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at
<br /> Lender's option and Borrower's dense= Lewder is Wider no obligation to purchase any par-ticular type or amount
<br /> of coverage_ Therefore, such coverage shall cover Lender, but might or might not protect Borrower,Borrower's
<br /> equity in the Property, or the contents ofthe Property, against any rim hazard or liability and might provide greater
<br /> or lesser coverage than was previously in effect. Borrower a.cknowledges that the cost of the insurance cove so
<br /> obtained might sipincantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed
<br /> by Lender-under this Section 5 shall become additional debt of Borrower seared by this Security Instrument These
<br /> NEBRASKA—Single Family—Fanne Mae/Freddie Mac UNIFORM NSTRUMENT Dot:Magii=egifrimsif
<br /> Form 3028 1101 Page 5 of 14 yVwr dorrnati'_c:faill
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